Chrysler 300 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 30, 2024
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You may be asking yourself, “How much does a Chrysler 300 cost to insure?” or “Is a Chrysler 300 considered a sports car?” (the answer is no by the way). Chrysler 300 full coverage costs an average of $1,548 a year, or $129 a month, which means car insurance won’t cost $300 a month. Our guide goes over Chrysler 300 costs so drivers can better understand how to save.
Want to jump right into comparing Chrysler 300 insurance rates? Shopping around for Chrysler 300 insurance costs will help drivers save, so enter your ZIP code in our free tool above to get started.
U.S. average insurance prices for a Chrysler 300 are $1,378 every 12 months for full coverage. Comprehensive costs around $270 each year, collision insurance costs $494, and liability coverage costs around $456. Buying just liability costs as low as $508 a year, and insurance for high-risk drivers costs around $2,992. 16-year-old drivers pay the highest rates at up to $5,240 a year.
Average premium for full coverage: $1,378
Price estimates for individual coverage:
Prices include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and 300 models.
Price Range from Low to High
Using a middle-aged driver as an example, Chrysler 300 insurance prices range from the cheapest price of $508 for basic liability insurance to a high rate of $2,992 for a high-risk insurance policy.
Geographic Price Range
Where you live has a large influence on auto insurance rates. Areas with sparse population have more infrequent accident claims than congested cities. The graphic below illustrates how where you live affects auto insurance rates.
The ranges above show why all drivers should compare prices for a specific zip code and their own driving history, rather than using rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rate Comparisons
The chart below shows average Chrysler 300 insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $793
- Using higher $1,000 deductibles will save about $174 a year
- The average price for the average middle-age driver using $500 deductibles is $1,378
- Buying low deductibles for physical damage coverage increases the price to $1,714
- Higher-risk drivers with multiple tickets or accidents could pay at least $2,992
- The price to insure a teenage driver can be $5,240 or more
Insurance prices for a Chrysler 300 are also quite variable based on deductibles and policy limits, your driver profile, and the trim level and model year.
Opting for high physical damage deductibles could cut prices by as much as $510 a year, whereas increasing liability limits will increase prices. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $411 more each year. View Rates by Deductible or Liability Limit
More mature drivers with no violations or accidents and higher deductibles may only pay around $1,300 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay as much as $5,200 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying at least $1,600 to $2,300 additional each year, depending on your age. Insurance for high-risk drivers can be around 44% to 129% more than the average rate. View High Risk Driver Rates
The state you live in has a huge impact on Chrysler 300 insurance rates. A driver around age 40 might see prices as low as $910 a year in states like Idaho, Maine, and Iowa, or at least $1,970 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,246 | -$132 | -9.6% |
| Alaska | $1,056 | -$322 | -23.4% |
| Arizona | $1,144 | -$234 | -17.0% |
| Arkansas | $1,378 | -$0 | 0.0% |
| California | $1,570 | $192 | 13.9% |
| Colorado | $1,318 | -$60 | -4.4% |
| Connecticut | $1,418 | $40 | 2.9% |
| Delaware | $1,560 | $182 | 13.2% |
| Florida | $1,724 | $346 | 25.1% |
| Georgia | $1,272 | -$106 | -7.7% |
| Hawaii | $990 | -$388 | -28.2% |
| Idaho | $930 | -$448 | -32.5% |
| Illinois | $1,028 | -$350 | -25.4% |
| Indiana | $1,038 | -$340 | -24.7% |
| Iowa | $930 | -$448 | -32.5% |
| Kansas | $1,308 | -$70 | -5.1% |
| Kentucky | $1,880 | $502 | 36.4% |
| Louisiana | $2,038 | $660 | 47.9% |
| Maine | $850 | -$528 | -38.3% |
| Maryland | $1,136 | -$242 | -17.6% |
| Massachusetts | $1,102 | -$276 | -20.0% |
| Michigan | $2,394 | $1,016 | 73.7% |
| Minnesota | $1,154 | -$224 | -16.3% |
| Mississippi | $1,652 | $274 | 19.9% |
| Missouri | $1,222 | -$156 | -11.3% |
| Montana | $1,480 | $102 | 7.4% |
| Nebraska | $1,084 | -$294 | -21.3% |
| Nevada | $1,652 | $274 | 19.9% |
| New Hampshire | $992 | -$386 | -28.0% |
| New Jersey | $1,540 | $162 | 11.8% |
| New Mexico | $1,222 | -$156 | -11.3% |
| New York | $1,452 | $74 | 5.4% |
| North Carolina | $794 | -$584 | -42.4% |
| North Dakota | $1,126 | -$252 | -18.3% |
| Ohio | $950 | -$428 | -31.1% |
| Oklahoma | $1,414 | $36 | 2.6% |
| Oregon | $1,262 | -$116 | -8.4% |
| Pennsylvania | $1,314 | -$64 | -4.6% |
| Rhode Island | $1,838 | $460 | 33.4% |
| South Carolina | $1,246 | -$132 | -9.6% |
| South Dakota | $1,162 | -$216 | -15.7% |
| Tennessee | $1,206 | -$172 | -12.5% |
| Texas | $1,660 | $282 | 20.5% |
| Utah | $1,022 | -$356 | -25.8% |
| Vermont | $944 | -$434 | -31.5% |
| Virginia | $826 | -$552 | -40.1% |
| Washington | $1,064 | -$314 | -22.8% |
| West Virginia | $1,262 | -$116 | -8.4% |
| Wisconsin | $954 | -$424 | -30.8% |
| Wyoming | $1,228 | -$150 | -10.9% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Chrysler 300 Touring 4-Dr Sedan | $1,278 | $107 |
| Chrysler 300 Touring Plus 4-Dr Sedan | $1,310 | $109 |
| Chrysler 300 S V6 4-Dr Sedan | $1,344 | $112 |
| Chrysler 300 Touring Executive 4-Dr Sedan | $1,344 | $112 |
| Chrysler 300 Touring Signature 4-Dr Sedan | $1,344 | $112 |
| Chrysler 300 Touring AWD 4-Dr | $1,344 | $112 |
| Chrysler 300 Limited 4-Dr Sedan | $1,378 | $115 |
| Chrysler 300 Touring Signature AWD 4-Dr | $1,378 | $115 |
| Chrysler 300 C 4-Dr Sedan | $1,410 | $118 |
| Chrysler 300 Limited AWD 4-Dr | $1,410 | $118 |
| Chrysler 300 S V8 4-Dr Sedan | $1,410 | $118 |
| Chrysler 300 C AWD 4-Dr | $1,444 | $120 |
| Chrysler 300 SRT-8 4-Dr Sedan | $1,444 | $120 |
Rates assume 2018 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2023 Chrysler 300 | $332 | $626 | $398 | $1,514 |
| 2022 Chrysler 300 | $320 | $610 | $416 | $1,504 |
| 2021 Chrysler 300 | $310 | $586 | $430 | $1,484 |
| 2020 Chrysler 300 | $292 | $564 | $442 | $1,456 |
| 2019 Chrysler 300 | $282 | $524 | $452 | $1,416 |
| 2018 Chrysler 300 | $270 | $494 | $456 | $1,378 |
| 2017 Chrysler 300 | $258 | $442 | $460 | $1,318 |
| 2016 Chrysler 300 | $242 | $408 | $460 | $1,268 |
| 2014 Chrysler 300 | $228 | $356 | $474 | $1,216 |
| 2012 Chrysler 300 | $206 | $300 | $478 | $1,142 |
| 2007 Chrysler 300 | $168 | $208 | $452 | $986 |
| 2006 Chrysler 300 | $154 | $198 | $446 | $956 |
Rates are averaged for all Chrysler 300 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for the Right Chrysler 300 Insurance
Getting lower rates on auto insurance requires having a decent driving record, having above-average credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Take the time to comparison shop at least every other year by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The following items are a quick rundown of the car insurance concepts touched on in the above illustrations.
- Drivers with reckless driving or DUI convictions may pay on average $1,610 more every year than a driver with a clean driving record
- Drivers can save up to $170 per year just by quoting online in advance
- Increasing physical damage deductibles could save as much as $500 each year
- Consumers who may need additional liability coverage will pay around $500 each year to increase from a low limit to a 250/500 level
We’d like to answer a couple questions. First, does a Chrysler 300 last long? They will last upwards of 200K miles with the proper maintenance. Second, “Are Chrysler 300 expensive to maintain?” They have a 10 year maintenance cost of $10,600 which is expensive for the style and model of vehicle.
Shopping for a good Chrysler 300 insurance group will help reduce your costs, whether you are shopping for 2018 Chrysler 300 insurance costs or 2014 Chrysler 300 costs.
Want to get started on finding how much does a Chrysler 300C cost or how much does a 2018 Chrysler 300 cost to insure? Enter your ZIP code in our free tool below.
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What are the safety ratings of the Chrysler 300?
How much does a 2012 Chrysler 300 cost to insure? How much does a 2014 Chrysler cost to insure? Part of what determines these rates will be the safety ratings and safety features. An old Chrysler 300 will have fewer safety features, which means the insurance cost of a new Chrysler 300 is likely to be better.
The Chrysler 300 has multiple airbags, brake assist, electronic stability control, traction control, and more, However, it is lacking back-up cameras. The Insurance Institute for Highway Safety (IIHS) gave the 2020 Chrysler 300 the following crash test ratings.
- Small overlap front (driver-side): Marginal
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
Watch the video below for an example of a crash test on the Chrysler 300.
Chrysler 300 Compared Against Other Vehicles in the Same Class
The Chrysler 300 is a large car, which means Chrysler liability insurance could cost more. The IIHS recorded the Chrysler 300’s bodily injury liability losses as substantially worse than average, and the property damage losses as average.
To see how the Chrysler 300’s rates compare to other large cars, take a look at the cars below.
Ready to start shopping for insurance for everything from the 2006 Chrysler 300 price range to the cost of 2015 Chrysler 300 insurance to Chrysler 300M 2020 insurance? Enter your ZIP code in our free tool to get started on finding Chrysler 300 insurance rates.
References
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,240 |
| 20 | $3,188 |
| 30 | $1,428 |
| 40 | $1,378 |
| 50 | $1,260 |
| 60 | $1,236 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,714 |
| $250 | $1,558 |
| $500 | $1,378 |
| $1,000 | $1,204 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,378 |
| 50/100 | $1,535 |
| 100/300 | $1,649 |
| 250/500 | $1,946 |
| 100 CSL | $1,581 |
| 300 CSL | $1,832 |
| 500 CSL | $2,014 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,466 |
| 20 | $5,080 |
| 30 | $3,046 |
| 40 | $2,992 |
| 50 | $2,856 |
| 60 | $2,832 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $73 |
| Multi-vehicle | $74 |
| Homeowner | $21 |
| 5-yr Accident Free | $100 |
| 5-yr Claim Free | $90 |
| Paid in Full/EFT | $61 |
| Advance Quote | $68 |
| Online Quote | $98 |
| Total Discounts | $585 |
Discounts are estimated and may not be available from every company or in every state.
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